These are the major life events where clients approach us and tell us they want to “get their finances in order”
- Marriage
- New Job
- Becoming Parents
- Divorce
- Breakup
- Death of a close family member
- Inheritance event
- Striking a Lottery (not kidding!)
We have also observed clients express themselves as such when they feel their finances are ‘not in order’, can you relate?
- “Help me Catch and Fix Financial Blind-spots before they snowball out of control”
- “Guide me to Minimize Financial Mistakes by leveraging experience from people who’ve ‘been there, done that’”
- “Help me Stop Financial Leakages that compound over time and derail my finances”
- “Advise me on the Cause and Effect of financial decisions I’m going to make now”
- “Tell me if there are any Low-Hanging Fruits or Opportunities to Improve that I am not aware of?”
Advisory Outcome: Eliminate (often invisible) financial obstacles, then improve your Cash Flow instantly, without Lifestyle Downgrade)
Our clients who are similar to you 👇
Initially when we engaged a Lieu, we expected him to go like- “do this, don’t do that” or tell us – “this is what you must do to achieve this milestones and that goals that we want”.
What we experienced is different. Here’s why.
Lieu did not dictate what we should or should not do.
Instead, he educated & empowered us to make financial decisions on our own term going forward, taking his advice only if it make sense or aligned to our goals at the time we need to make the decisions.
In retrospect, we ended up appreciating such approach more because that means we will not be crippled by his advice or recommendations.
That being said, when it comes to the technicality of finances, Lieu had demystified the complexities in our personal financial situation, plus and gave us such insightful perspectives so we could see the bigger picture. It’s not only about the How’s, but the Why’s as well, minus the jargons. Light at the end of the tunnel, as they say.
Further, he assisted us to uncover some issues we overlooked, then provided actionable solution to the issues via relatable real life examples.
The beauty of the many conversations throughout the 1on1 sessions? They were very fluid and interactive, yet concise and straight to the point.
Rajiv Rai & Kulvinder Kaur Digital Marketing Specialist & O & G Compliance Manager, KL
Money is not just numbers. Our relationship with money is emotional, and in today’s information age, it can feel directionless. With the abundance of information available today, it was difficult for us to distinguish the noise from what truly matters, and to know the best approach to saving and investing early; our 1-on-1 consultations with CF Lieu offered us exactly that.
Lieu is knowledgeable and articulate; he is non-judgmental yet honest.
He taught us our financial options as young professionals, how to evaluate our options, how to set goals, and how to execute our plans in ways that align with our values.
And in order to effectively offer his expert perspectives that helped us reframe our relationship with money, Lieu put in the effort to truly get to know us as people. Never once did he make us feel inadequate about what we did or what we did not yet know.
Combined with his friendliness and fun analogies, we highly recommend Lieu to anyone—regardless of age—who is looking for a trustworthy financial advisor.
Lydia Cheah, 23 (Selangor), Software Engineer
Worth the professional fees, easy to work with
Working with CF has really been a breath of fresh air. He has been most professional and efficient in all their services rendered. The advisory approach by CF was structured and no fluff– he simplified it without missing the important points, yet not too much information to digest for a non-financial background person. CF is really easy to work with and is prepared to give me + my wife time to discuss ideas, address concerns and solve problems. I can safely say we have never experienced such comprehensive, integrated advisory approach, and we’ve since set our standards high.
John Paul Wang SS, 33 (Kulim, Kedah) Operations Manager, Intel
Was skeptical, but realized the approach fits me perfectly
Lieu gave me the most detailed analysis I could ever expect from a financial adviser on why I should restructure my existing insurance policies. As many parents out there, I probably know I am under-insured, but not sure how much and how I could cover this coverage shortfall without incurring additional policy premium costs. Lieu showed me how this could be done, and we subsequently executed the strategy.
Lieu also optimize my loan repayments which I overlooked. If left unattended, I was made to realize that this could indirectly lead to my paying excessive interests to my financiers unnecessarily. Another positively impactful improvement to wrap up year 2015.
Last but not least, Lieu laid down a reasonably probable retirement and child education roadmap for us – the level of detail put into this is incredible. This serves as a compass for me and wife on how to how to manage internal and external factors affecting our retirement plan in the next 10 years.
Francis Ong (44) Manager, Honeywell Penang
For the longest time, I haven’t been able to get straight answers from the many financial intermediaries there, plus, sometimes, my husband and I don’t even know the right questions to ask.
Lieu had been a great help in answering a lot of the overwhelming financial questions in our mind which keeps us from making decisive conclusions on many financial moves we want to make. He listens intently and at times, were able to anticipate what we want to ask before we actually ask it.
We appreciate his lively approach in advisory which not only delivers actionable steps to follow, but also keep us focused through and through.
It has been a great experience for us engaging him and we’d recommend him highly.
Jennie Chin Pui Ling, Kajang, Selangor Completion Project Engineer at Schlumberger
I liked your approach of advising without financial jargons, just plain english, something I can relate.”
“Fees are affordable, and most importantly, from neutral perspective.” “From medical perspective, you are prescribing medicine that you are actually eating.
Dr Hans Lim, 34 (Penang) Married with 2 children, General Practitioner
Achieved 3x hard savings for my personal & business finances
I appreciate Lieu’s down-to-earth and casual approach. He did tax planning, insurance advisory and retirement roadmapping for me. I can say, I easily achieved 3x hard savings and ROI (return on investment) by engaging him 1 on 1 – that’s just in the first year!
Brandon Loh (36), Independent Film Director, KL
CF Lieu helped me to conduct a thorough tax planning for my private practice and investment portfolio. He came to me at the right timing of my career and, in turn I engaged him for fees-based advisory. I never would have thought a CFP can do advanced company & property tax planning, so I really credit CF for a a fee-based advisory nicely done – giving me and my wife much clarity on the overall big picture.
The approach
CF gave me ample of time to clear my doubts, me being not coming from financial background, albeit being an analytical person. The process is like this – After coming out with the first drafts of the tax planning advisory reports, which CF will send to me to digest, then we will have discussions to clarify/fine-tune/amend the sections where required. The response time is good; CF is contactable and the follow-ups meet my expectation.
The ROI
The advisory fees are not cheap – that’s what I feel when we started. However, I’d say it is certainly affordable. Only after I experienced the approach CF delivered the end result, I can vouch it is certainly worth the professional fees. Evidently, there are aspects in my investment properties portfolio which needs to be fined-tuned. Without going into details, these “fine-tunes” saves me money in the long run which is way more than the fees charged. Also, cost savings tips and tricks I’d would not have known if I didn’t go thru the advisory process. I can vouch for CF in delivering quality advisory work to clients.
Dr Thinakaran Malapan, 40 (Ipoh), married with 2 children Gynecologist with Tropicana Medical Center
Lieu’s financial coaching approach helped me rethink & instill that elusive sense of progress, direction and achievement in my personal finances.
He has also helped me tremendously in my business tax planning going forward, which I reckon, without his actionable advice, I don’t think I’d be able to sort things out in 10 years.
Very worthwhile investment in advisory fees compared to the value and clarity I have gotten out from the intensive 1on1 sessions.
Suriaddiin, KL – Motion Graphic Designer, Mindvalley
CF Lieu has been instrumental in structuring a workable children education funding roadmap for my 2 toddlers.
I need to strike a balance between sufficient financial protection during my most productive years without overpaying for insurance, while reasonably save + invest towards the goal of funding kids education fees with high certainty.
…achieve all of the above without negatively affect lifestyle me & husband enjoy (we like to travel as a family)
The approach I experienced has been client-centric & transparent – aligned my budget and requirements. Am now more aware of the real financial planning – it’s process-oriented, not product focused.
Also, the 1on1 sessions had been crucial in saving me tens of thousands effortlessly, in the next 10-20 years.
Leong Ying Xuan – Staff Engineer, RF Regulatory Affairs at WSAudiology Singapore